How do you make a good benefit plan .. ...

focused1 1 posts since
Apr 12, 2008

For the Company...

Expand your benefits program without adding costs.
Achieve possible FICA savings and reduction in workers' compensation costs.
Help improve employee morale and retention.
Help meet more employees' economic needs at the workplace.
Help contribute to employees' health through various wellness programs.
Reduce administrative involvement.

For your employees...

Obtain an opportunity to apply for policies at payroll rates.
Have benefits paid directly to the insured, unless directed otherwise.
Apply for policies that may be pre-tax eligible, and are portable and guaranteed-renewable.
Apply for policies that may help with expenses not covered by core company plans.

Policies that help to make this happen...

Accident

Emergency Treatment Benefit
Specific-Sum Injuries Benefit
Accidental-Death Benefit
Initial Hospitalization Benefit
Plus much more

Short-Term Disability

Selection of:

+ Monthly benefit amount
+ Elimination period
+ Benefit period
-Guaranteed-renewable to age 70

Benefits paid directly to you unless you choose otherwise
Benefits paid regardless of any other insurance

Cancer/Specified-Disease

First-Occurrence Benefit
Hospital Confinement Benefit
Radiation and Chemotherapy Benefit
Cancer Screening Wellness Benefit
Plus much more

Hospital Confinement Indemnity

Hospital Confinement Benefit
Rehabilitation Unit Benefit
Surgical Benefit
Plus much more

Specified Health Event

Pays a First-Occurrence Benefit as well as Hospital Confinement and Continuing Care Benefit for:

+ Heart attack & coronary artery bypass surgery
+ Stroke
+ End-stage renal failure
+ Major human organ transplant
+ Mojor third-degree burns
+ Coma
+ Paralysis

Hospital Intensive Care

Daily ICU Confinement Benefit
Daily Subacte Unit Confinement Benefit
Plus much more

Dental

Freedom of Choice (pick any dentist)
Portable
Guaranteed-renewable at the same payroll rate
Pays reguardless of any other insurance you may have
No deductible
Easy to understand

Life

Provides uo to $100,000 of term life, whole life, or a combination of both on very competitive basis
Waiver of Premium Benefit
Optional Spouse & Child Riders
Optional Accidental-Death Benefit Rider

Hospital Confinement Sickness Indemnity

Physician Visits Benefit
Initial Hospitalization Benefit
Major Diagnostic Exams Benefit
Surgical Benefit
Plus much more

Vision

Eye Examination Benefit
Vision Correction Benefit
Specific Eye Disease/Disorder Benefit
No network restrictions
Plus much more

These are just a few ways to create employee loyalty in your organization.
This is a program that pays cash benefits directly to your employees to cover the family expenses associated with a serious illness or injury.
This is little or no cost to business owners!
These are what you would call employee enhancement plans.
Many of our clients offer disability but unfortunately, disability plans aren't designed to cover family expenses - they only cover a portion of your employees' incomes and only if they are the ones sick or hurt.
When your employee gets injuried or sick the bill doesn't stop coming in but with Aflac there is help and your employee can return to work faster and happier.

I am an Independent Associate representing Aflac. My job is to fill in the gaps for your employees at no extra cost to you.
I can help you in the Virginia, Maryland and North Carolina areas.

Thank you, Ronald Abraham - 804-514-2263